Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-01-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$11,144 |
| 45 | HK$15,383 |
| 60 | HK$29,775 |
| 75 | HK$74,503 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Semi-private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$10,000,000 |
| Lifetime limit | HK$40,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$50,000 |
Also includes outpatient general, dental, maternity, home nursing, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 128 p.11 |
|---|---|
| Pre-existing conditions unknown at application | 0% for the first 30 days of the first policy year, 100% from 31st day of the first policy year onwards p.22 |
| Waiting period | 12 months for pregnancy complications p.37 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period if benefits paid p.3 |
| Switching from another plan | Possible to switch to this plan from another plan, with specific rules for pre-existing conditions and re-underwriting for upgraded benefits p.13 |
| Room class | Semi-private Room in Hong Kong, Macau and mainland China; Standard Private Room elsewhere in Asia and for emergency treatment outside Asia p.61 |
| If a higher room is used | Benefits reduced by a ward class adjustment factor (50% or 25%) if voluntarily confined in a higher ward class p.52 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor Leste, Turkmenistan, Uzbekistan and Vietnam) p.61 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered in accordance with Terms and Benefits, subject to calculation formula and restrictions p.51 |
| Full cover on core benefits | yes p.63 |
| Annual limit | 10,000,000 p.61 |
| Lifetime limit | 40,000,000 p.61 |
| Deductible options | 0 p.61 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 50, 55, 60, 65, 70, 75, 80 p.27 |
| Coinsurance | None, except 30% for Prescribed Diagnostic Imaging Tests p.62 |
| Pre-admission outpatient | Full cover for all outpatient visits within 30 days prior (max 1 per day) and max 1 visit more than 30 days prior to confinement/day case procedure p.62 |
| Post-discharge outpatient | Full cover for maximum 12 outpatient visits within 90 days after discharge/completion of day case procedure (max 1 per day) p.62 |
| General outpatient | none |
| Psychiatric treatment | 50,000 p.62 |
| Diagnostic imaging coinsurance | 30% p.62 |
| Non-surgical cancer treatment | Full cover p.62 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.36 |
| Day case procedures | Covered as in-patient, full cover for eligible expenses; cash benefit of HKD 1,000 per procedure, max 10 per policy year p.18 |
| Home nursing | Full cover for home nursing by a Registered Nurse within 90 days after discharge from ICU or surgery, max 60 days per policy year p.36 |
| Hospice care | HKD 80,000 per policy year for staying in a registered hospice for terminal illness, if commenced within 90 days of hospital discharge p.43 |
| Chinese medicine | HKD 800 per visit for Chinese Medicine Practitioner under Stroke ancillary benefit (max 30 visits/year) and Post-Confinement/Day Case Procedure outpatient ancillary benefit (max 30 visits/year) p.24 |
| Physiotherapy | Full cover during confinement; HKD 800 per visit for Stroke ancillary benefit (max 30 visits/year) and Post-Confinement/Day Case Procedure outpatient ancillary benefit (max 30 visits/year) p.19 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Full cover for surgical procedures for Covered Pregnancy Complications, subject to 12-month waiting period p.37 |
| Emergency dental | Full cover for emergency treatment and follow-up dental treatments necessitated by injury from an accident to natural teeth, within 31 days of accident p.37 |
| Hospital cash | HKD 800 per day for using a lower room class in Hong Kong/Macau private hospitals (max 30 days/year); HKD 800 per day for Designated Family Member (max 30 days/year) p.44 |
| Companion bed | Full cover for one extra bed for one Designated Family Member during confinement p.35 |
| No-claim discount | 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.48 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.23 |
At a constant age of 45, Chubb has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$15,383 to HK$15,383.
| Year | Change |
|---|---|
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD0 Deductible (Asia) | Semi-private | None | HKD 10,000,000 |
| HKD0 Deductible (Asia) | Semi-private | None | HKD 10,000,000 |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.